How to Spend Less and Save More

I’ve gotten a lot better with money lately. I’m not so much of a spendaholic now, though I’m still a shopaholic – I waste so many hours scrolling through ASOS or wandering around the shops. I have finally gotten more sensible with spending, and have always been pretty good at saving. I thought I’d share my tips on how to curb your spending and good ways to save for the future without feeling like you’ll have less money in the present day.


1. The 52-Week Money Challenge.

I’m not sure who came up with this but it’s genius. The difficulty with saving is that, in order to save lots of money quickly, you have to affect your main bank balance quite drastically. With the 52-Week Money Challenge, you put £1 in the first week, then £2 the second, making £3. Then you put £3 in the next week, making £6. You go up week by week, and by the 52nd week of the year you’ve saved £1378!

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Getting my Wardrobe Winter-Ready

Technically Winter is still quite far away, but in England the lines between Autumn and Winter are pretty blurred. Autumnal fashion is stunning, but I’m already starting to think about the bitter cold that won’t be too far behind.

This post is a mix of things I’ve already bought to get ready for Autumn/Winter, and things I’d like to buy.


Knitwear

Screen Shot 2017-08-22 at 18.31.32I’ve already bought this pink high-necked jumper from Jack Wills which fits snugly and is going to look fab with high-waisted skirts, thick tights and boots. I’m going to try to inject a bit of colour into my winter wardrobe this year, preferably pink and of course burgundy, the ultimate Christmas colour.

This jumper is quite thin so it’ll be a great transitional piece, but with a scarf and jacket layered on top it should also see me through winter. It’ll be great for workwear too. I’m looking for a few jumpers in neutral colours too, as the ones I wore last year are a bit tired and tatty.

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£50 Friday: New Look Crop ‘n’ Culottes

I love me some alliteration, so I thought I’d start doing £50 Friday, a post where I hunt down a whole outfit for £50 or less. I can’t go clothes-shopping or even browsing every week because my bank balance will not thank me, so I’ll be doing this on the first Friday of every other month.

Obviously if you go somewhere like Primark, you could find quite a few outfits for under £50. However, I want to find outfits that look expensive despite being budget-friendly. You can find the odd gem in Primark and, contrary to popular opinion, I find their clothes do last, but usually you can tell the quality isn’t great. I also want to find outfits that are timeless, and Primark does tend to prioritise ‘fast fashion’ – as do most high street shops, but Primark do it more than most due to their low price-point.

Today I’m showing you an outfit I found in New Look, which is usually another big offender when it comes to fast fashion.

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How to Throw a Summer Party

Hey, we’re in England, so any advice for throwing summer parties starts ‘Don’t do it outside.’ But it’s bank holiday weekend and the weather’s atypical, so maybe now is the time to have that barbecue you always talk about!

As for me, I don’t have a garden, so my soiree is a strictly indoor event. Here’s how I plan my house parties.


The Invites

Social media is FREE. Facebook events are a bit off-trend but they’re useful for keeping all the info in one place, and giving your guests one point of contact for questions. Many people ignore event notifications, though, so make sure you do a few rounds of phonecalls too. With FB events people often don’t realise how close the party is getting, so keep in touch through other avenues with regular updates and reminders.

If you’re a crafty person you might want to make some invitations, but unless it’s an engagement party or similarly formal event, I’d say don’t bother. It’s just an extra thing on your to-do list and you’ll regret it when it comes to making them. Plus they’re expensive to post!

The Theme

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August Payday Haul

I’ve been really good lately about not going mad when I get paid, and waiting a couple of days to decide if I really want to spend the money. However, it’s about time I started Christmas shopping, and the sales are coming to an end so I’d be silly not to take advantage of a few cheap pieces. That’s what I’ve told myself, anyway.


The Shoes

You may recognise these from my shoe wishlist post:

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They were £19.99 when I first saw them, and I put off buying them for ages in the hope they’d go into the sale. Lo and behold, I snapped them up for £9!

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Black & Rose Gold Cross-Bodies: Which One Shall I Buy?

For a while now, I’ve been obsessed with cross-body bags. I never used to like them. I always chose a clutch when going out, because I liked to hold a drink in one hand and my bag in the other on the dance floor. I found the straps of cross-body bags unwieldy and annoying.

Last year, my best friend bought me a grey Dune cross-body bag which I simply liked on first sight, but grew to love. It’s now my most-used bag, big enough for everyday but small enough that I don’t end up cluttering it up with pointless things I don’t need. Now I’ve made it my mission to expand my collection of cross-body bags.

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My Fashion and Beauty Wishlist.

Every month, it gets to a week after payday and I realise I have no money left to spend on frivolous things. Sadly, fashion and make-up count as frivolous things, however necessary they feel when you discover them.

I have a list of things in my head that I really want to buy, and I try to keep these in mind once I have money, rather than just buying something random in the sales. I want all my clothes to be clothes that I love and will wear regularly.

I wrote a post about my shoe wishlist the other day, so click here if you’re interested in reading that. You can also follow me on Pinterest, where I save a lot of things I’d like to buy, as ERusson21.

 


Accessories Wishlist

1. My Princess Tiara Ring, Pandora

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I’ve never bought or owned anything from Pandora before. Obviously most people go for the bangles which they then add charms to, but that just seems like a very expensive way of buying jewellery. The charms alone are around £40-60. That’s fine if you really love jewellery, but I honestly don’t wear it much. I also find bangles and bracelets quite irritating because they move around so much.

However, I do wear rings and necklaces. Still not a lot, but more than any other type of jewellery. I love rose gold and I just thought this Pandora ring was really unique and pretty.

2. The Classic Cashmere Scarf in Heritage Check, Burberry

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